A towing bill can keep growing even while the insurance companies are still deciding who is responsible for the crash. The immediate problem is practical: find the vehicle, learn the daily rate, and decide where it should go next. The legal question of who ultimately pays may take longer. In Louisiana, payment can depend…
A Louisiana vehicle-damage claim can include reasonable rental or other transportation costs while a damaged vehicle cannot be used. The source of payment matters. Your own insurer owes only the rental coverage provided by your policy, while an at-fault driver’s insurer may owe reasonable loss-of-use expenses as part of the property-damage claim. Louisiana law…
Louisiana’s No Pay, No Play law can limit what an uninsured vehicle owner or operator recovers after a crash, even when someone else caused the collision. For accidents on or after August 1, 2025, the law generally excludes the first $100,000 of bodily injury damages and the first $100,000 of property damage damages. The…
A vehicle can be repaired correctly and still sell for less because buyers, dealers, and valuation services account for its accident history. Louisiana law allows a vehicle owner to seek that remaining loss in value when a third party negligently damages, but does not destroy, the vehicle. A diminished value claim is a valuation…
Disclaimer: This article provides general information about commercial truck insurance and Louisiana injury claims. It is not legal advice, does not create an attorney-client relationship, and cannot determine the coverage, deadline, or value of a particular claim. Insurance rules, policy terms, and legal deadlines depend on the facts. There is no single insurance limit…
Your Louisiana auto premium went up after a crash you did not cause. The timing is suspicious, but it does not by itself show that the insurer broke the law. The useful question is whether the insurer considered that nonfault incident when it raised your rate, added a surcharge, canceled the policy, or declined…
The other driver says they have no insurance, or cannot produce a card at the scene. That is a reason to preserve the details, not yet a final coverage determination. The vehicle owner, an employer, and the status of a policy on the crash date may change the answer. Meanwhile, your own uninsured motorist…
After a Baton Rouge crash, an adjuster asks for a recorded account and a medical authorization. The answer depends first on whose adjuster it is. Your own insurer may have cooperation rights under your policy; the other driver’s insurer does not acquire those rights from your contract. Both companies may examine fault and injuries,…
A hurricane can damage the same house in two very different ways. Wind may tear shingles from the roof and let rain enter from above. Hours later, storm surge or rising water may enter from below. The losses happened during one storm, but they may fall under separate insurance policies. For most Louisiana homeowners,…
A hurricane claim begins before an adjuster arrives. The first photographs, temporary repairs, receipts, and written notices may become the best evidence of what the storm changed. At the same time, no insurance file is worth entering an unsafe building or climbing onto a damaged roof. This checklist is organized around the decisions Louisiana…
Hurricane damage is not always visible when the wind stops. Water can travel behind siding, around windows, through roof openings, and into insulation before a ceiling stain appears. A quick exterior look may miss damage that becomes expensive after materials dry, swell, or begin to decay. Homeowners should balance two goals: avoid unsafe areas…
A homeowner opens the declarations page after a storm and finds two deductibles: perhaps $1,000 for many ordinary covered losses and 3% for a named storm. The percentage is usually applied to the insured property value identified in the policy, not to the repair estimate. That difference can decide whether a modest roof claim…
A family can be displaced long before the roof or drywall estimate is finished. A hotel bill arrives nightly, a short rental may require a deposit, and meals cost more when there is no kitchen. Additional living expense coverage, often called ALE or loss of use, addresses certain increased costs of living away from…
A hurricane claim often begins while the house is still wet. The adjuster may not arrive before a tarp goes up or damaged materials come out. Start a record as soon as it is safe, then keep it current as the loss becomes clearer. You can take reasonable steps to prevent more damage without…
Archive context: This page was first published after Hurricane Ida in 2021. The resources below are general Louisiana starting points, not a live list of open shelters, restoration times or assistance programs for a particular storm. Check your parish’s current emergency notices before traveling. If someone needs urgent medical care or rescue, there is…